OppLoans Reviews 5,571

TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the company for its fast and easy service, with many highlighting the quick deposit of funds and the straightforward application process. The customer service is frequently described as excellent, with representatives being helpful, polite, and professional. Many consumers appreciate the company's reliability and the stress-free experience they provide, especially when in urgent need of financial assistance. However, some customers expressed dissatisfaction with the interest rates, describing them as high. A few people also mentioned issues with payment schedules and the allocation of payments, noting that a significant portion goes towards interest. There were also occasional reports of delayed deposits and difficulties with refinancing or receiving refunds for overpayments.

What people talk about most

Payment

Users describe ambiguous interactions with payment. Many customers praise the easy and fast application... See more

Service

Reviewers mention positive feedback about service. Customers consistently praise the fast, efficient, and... See more

User experience

Clients share positive opinions on user experience, consistently highlighting the ease and speed of the... See more

Customer service

Consumers find customer service to be positive. Many reviewers praise the helpfulness and professionalism of... See more

Price

Customers had ambiguous experiences with price. Many reviewers expressed frustration with high interest... See more

Reviews shaping this summary

Rated 4 out of 5 stars

OppLoans has helped us on several occasions when we were out of options. Yes the APR is high, but we have always found a way to pay the account off ahead of time, saving money. The only issue I have w... See more

Rated 5 out of 5 stars

Best loan company makes it happens quick! Understandable and realistic reliable! Best option is fully payoff the loan asap as anyone can or stay with a installment payment plan that helps keep ur loan... See more

Rated 5 out of 5 stars

The whole entire process was very quick, yet they still made sure they did their due diligence to make sure I was eligible to receive a loan and they even offered me a loan for twice as much as what I... See more

Rated 5 out of 5 stars

Fast service with funds deposited quickly with no extra fee. Reasonable interest rates especially since my credit score is so low right now. Opploans made it possible for my stage 4 mbc wife to finish... See more


Company details

  1. Non-Bank Financial Service
  2. Financial Consultant

Written by the company

OppFi is a leading tech-enabled digital finance platform that works with banks to provide financial products and services for everyday Americans. Through a transparent and responsible platform, which includes financial inclusion and excellent customer experience, the Company supports consumers who are turned away by mainstream options to build better financial health.


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

6K reviews

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Hasn’t replied to negative reviews

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Rated 5 out of 5 stars

I had a very positive experience with…Opp Loans.

I had a very positive experience with OppLoans. Their customer service was excellent from start to finish. The representative I spoke with was professional and patient and took the time to clearly explain everything to me so I could understand my options.

What stood out the most was how respectful and supportive they were throughout the process. They made what could have been a stressful situation feel simple and manageable. Their professionalism and willingness to help truly made a difference.

I appreciate a company that treats customers with courtesy and transparency, and OppLoans definitely delivered on both. Thank you to the team for providing such great service.

5 March 2026
Unprompted review
Rated 5 out of 5 stars

Best loan company makes it happens…

Best loan company makes it happens quick! Understandable and realistic reliable! Best option is fully payoff the loan asap as anyone can or stay with a installment payment plan that helps keep ur loan positive! Nothing is free but OPP loan has a (free option to refinance your loan and free option to PAY OFF AT ANYTIME) Best loan company so far!

3 July 2025
Unprompted review
Rated 5 out of 5 stars

Loans For Quick Results For Someone With Fair CreditI

I was in a emergency situation where I needed a fast loan. I received so many emails for over 24 hours. I had about given up, then the next morning I awoke to a email from OPPS. The process with simple and I did some background checks. Everything I was looking for checked out. The process was easy. That was because OPPS has totally 5 Star Professionals working for them. I asked questions and got the answers. If you are looking for a Loan, with Fair Credit and need it Fast. Call OPPS and Stop Driving Yourself Goofy. 5 Star For OPPS...Sincerely Robert Garrett (I will return to OPPS)..💫💫💫💫💫👍

24 February 2026
Unprompted review
Rated 3 out of 5 stars

Being held over a barrel…

The only real option I’ve had at times has been taking out extremely high-interest loans just to cover basic expenses. While I’ve consistently made every payment on time, the reality is that this creates a continuous cycle of debt rather than relief. Lenders like OppLoans often profit from people who have limited financial alternatives, which makes it difficult to truly get ahead despite responsible repayment.

26 February 2026
Unprompted review
Rated 5 out of 5 stars

Thank You!

I took out a loan and almost had it paid off with only 2 payments remaining; however, circumstances arose that caused me to seek a refinance due to an unexpected expenditure that arose for me.

OPP Loans granted me the refinance expeditiously and I am grateful.

Ive been pleased with how seamless not only the original loan process was but the refinance process too.

My only negative if vthere was even one woukd be the interest rate/finance charge is quite steep but that said I am grateful for their ability to help me when I needed it.

Thank you OPP Loans

20 February 2026
Unprompted review
Rated 1 out of 5 stars

I made a double payment on accident and…

I made a double payment on accident and I paid my
Loan off within 2 weeks. I called to get my refund for my double payment they telling me they don’t do refunds plus due to the interest and fees they only owe me 11 dollars. I don’t recommend taking a loan out with them.

24 February 2026
Unprompted review
Rated 1 out of 5 stars

Beware of the “under review”

They put you through the wringer for a small amount of money. First the process is pretty seamless to start, they use Plaid to validate the bank account. Then it goes to a review where they ask for check stubs, why? My bank account shows plenty of cash going and out. I’m like fine, I will play their game and I uploaded as proof. So the bank I used doesn’t have my full deposit going there. Then they have the nerve to say I have to use my primary bank. The bank I used is my primary bank and if you would have properly reviewed it they would have noticed that there are plenty of transactions going in and out.

I’m not going through hoops with this company.

22 February 2026
Unprompted review

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